Couple Money Podcast

by elle@couplemoney.com

19m

average length

111

episodes

0

followers

Elle Martinez from Couple Money discusses how to build your net worth and your marriage by helping you create a financial system that works for both of you. Each episode will tackle a topic that couples deal with such as paying off debt faster, saving for the future while still enjoying today, how to invest smarter, and retiring early.

Best Couple Money Podcast episodes upvoted by the community

Last updated on May 28, 2020, 1:10 am

#1

Helping Your Kid Graduate College Debt Free with The Scholarship Shark

May 24, 2018 • 19m

Want to help your kid graduate college debt free? Learn the strategy and tactics one mom used to snag her son $700,000 in scholarships!  The Scholarship Shark College is expensive. I don't think that's news to you, but did you know that graduates in the class of 2017 are on average carrying student loan debt of just over $39,400? And that the student loan delinquency rate of 11.2%? If you're a parent, you're probably worried about how that can affect your child's financial future. You need to hunt down as many scholarships as you can. That's why I'm grateful Pam Andrews is here on the show. She's not only the College Admissions Coach and Scholarship Strategist behind The Scholarship Shark, she's a mom. A mom who managed to help her son snag $700,000 in scholarships. Yep. So if you are interested in helping you kid minimize or skip those student loans, you'll want to really pay attention to this episode. Today Pam and I discuss: how they worked together to find which schools to apply to the strategy of getting scholarships out of the box ways to make college affordable Hope you enjoy! Tips on Paying for College If you two are looking to help your kid skip out on student loans, here are some resources to help you save up. Tips on Paying for College Without Going Into Debt A Simple Guide to College Financial Aid Paying for Your Kid’s College (without Going Broke) 9 ways to pay for college without student loans Is College Worth It? Jumpstart Your Marriage and Money Course Want to give your marriage and bank account a boost? Pick up Jumpstart Your Marriage and Money course. Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you: Stop fighting about money and create a budget that you BOTH LOVE Automate your money Pay off your debt faster Plus more! You can get lifetime access here! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

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#2

How to Build Income Streams to Knock Out Your Money Goals Faster

January 15, 2020 • 20m

Are you looking to speed things up with your money goals? We’ll look at how you can earn extra money on the side so you can build your net worth! Earning Money from Side Hustles is Only One Path Many couples want to pay off debt faster, save for a house or start investing and the problem is cashflow is currently tight. Real tight.  One of the things I suggest is looking at your budget, but sometimes the issue is that there isn’t enough income coming in.  Whether it’s through a one time occasional deal like selling your stuff, running a side hustle, or starting a possible career change, it’s going to take work.  So before you make the leap, I thought it would be helpful to get an idea of the different ways you can earn more this year.  My hope is that you’ll get a better idea of what would best for your situation and goals.  Today’s guest Joseph Hogue is a personal finance author and creator of Let’s Talk Money who has built several income streams into businesses. I also have Louis Guillama, Vice President of Real Estate Operations at Coastal Credit Union sharing his take about the pros and cons of getting into real estate.    In this episode we’ll go over: Finding opportunities to earn income when your schedule is tight Breaking into the gig and side hustle economy Thinking long term and get more involved with your  income streams by looking at real estate investing Let’s get started!  Resources to Start Earning More Money on the Side If you’re looking to earn more so you can knock out your big money goal, here are some resources to check out.  Best Budget and Money Apps: Personal Capital, Tiller, Mint 5 Days to $5K: It’s my free weeklong course to show you how to find, save, and make extra money so you can save your goals faster! Free 401(k) Analysis: blooom Jumpstart Your Marriage and Your Money Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union. If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today! We’ve been Coastal members for a few years have been happy with their services. They have wonderful services and accounts to make saving easier including their competitive money market accounts! Support the Podcast!  If you enjoyed this episode and found it helpful, here are some ways to support it. Spread the word. If you have friends who could boost their savings, please share this episode with them on social media or just email the link!   Leave a review. Every review helps! Please share your honest feedback on Apple Podcasts or Stitcher.  Visit our Couple Money Toolkit for more info on available apps, tools, and services to master your money together. Become a Patron.  Special Thanks!  Like the music in this episode? Our theme song is by Gentle Regime. I also want to thank Lee Rosevere for music in this episode.  

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#3

How to Protect Yourselves from the Most Common Financial Scams and Fraud

November 14, 2018 • 19m

Part of protecting your finances means managing your accounts, both online and offline. Today we’ll share how you can arm yourself against fraud and scams! Keeping an Eye Out for Scams and Fraud With so many people shopping in stores and online, scammers are all too happy to grab your data and financial information. While there’s nothing you can do to completely eliminate these scams, there ways you can protect yourselves.  Joe Mecca from Coastal Federal Credit Union is back to wrap up this two-parter. In this episode we get into: Big offline scams and online phishing to watch out for Protecting yourself with strong passwords Apps and resources to protect you and your finances We have a lot to cover, so let’s get started! Resources to Protect Your Identity and Finances If you’ve had your wallet or purse stolen or lost, here are some resources we mentioned in the episode as well as some other handy articles to check out: IdentityTheft.gov Protecting Yourself from Identity Theft FBI Futurist Shares His Top 5 Tips For Protecting Your Identity Online How to Fight Back Against Identity Theft The Equifax Data Breach: What to Do if You’re Affected Coastal Federal Credit Union Credit Union Locator Annual Credit Report: Free way to review each of your credit reports For freezing your accounts or putting an alert you need to contact the credit bureaus. Equifax: 1-888-766-0008 Experian: 1-888-397-3742 TransUnion: 1-800-680-72892 Support the Podcast! Thank you so much for listening to the podcast! Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

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#4

Finding Balance with Marriage and Entrepreneurship

September 01, 2017 • 13m

Millions of Americans want to start a business, but where do you begin? Entrepreneur and start up co-founder Will DeShazo shares how you can find the right gig along with balancing marriage and entrepreneurship!   Finding Balance with Marriage and Entrepreneurship We've had a quite a few shows about being a happily married entrepreneur I've been sharing my ups and downs working from home. I've also interviewed couples who are running a business together like Justin and Rebekah Rhodes with Abundant Permaculture, couples who ventured on their own career paths like LaTisha Styles who explained how she and her husband successfully support each other. And hearing them, you get this sense that's they're well-oiled machines. Things working out. But what about that beginning stage? How does a side hustle fit in with your current job and your marriage? In this special episode Millennovator co-founder Will DeShazo and I discuss: how you can start earning some cash while exploring career options  the framework that will help you find the right gig opportunities for you to give yourself a raise at your current position using a side hustle Hope you enjoy! Subscribe to Couple Money Podcast via iTunes, Stitcher, or copy this link to use with a podcatcher of your choice. Resources for Entrepreneurs Want to become an entrepreneur? Here are some more resources to check out! LaTishaTV on Facebook Your First $500 Launch by Jeff Walker The 4-Hour Workweek: Escape 9-5, Live Anywhere, and Join the New Rich Launching a Business as a Creative Entrepreneur Developing a Money Making Hobby Starting and Building a Side Hustle with Fiverr Thank You to Our Partners Support for this podcast comes from partners like Personal Capital. Easy to set up & easy to use. You can have all your investments, income, and expenses all pulled into one place. Did I mention it’s free? Why don’t you give Personal Capital a try today?

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#6

Best Travel Apps to Snatch Last Minute Deals for Getaways

August 28, 2017 • 6m

Ready to take a last minute getaway or weekend trip? Use these travel apps and get the best deals! Going away for the weekend doesn't mean you break your budget. With a little planning and the right resources, you two can score some nice trips and still save money. So if you're looking at getting away from it all for a few days, save this post. Travel Sites to Bookmark for Your Weekend Getaways There are more sites than ever for travelers. Besides snagging last minute deals on popular tourist spots, you can also discover some awesome destinations. Airbnb: If you want to live like a local, Airbnb can help you find a bed or whole house for your next trip. We used the site when we went away for an anniversary trip and had a beautiful riverfront apt in Wilmington, NC for a fraction of the price of a hotel. Priceline: I'm a huge fan of their Name Your Own Price feature, which has helped us score plane tickets, hotel rooms, and car rental half off the advertised prices. Better Bidding: Speaking of bids, there are forums and sites online that can help you figure out what it will take to your bid accepted. You might also want to keep an eye for flash deals with airlines like Southwest where you can score huge discounts on flights for select cities. Apps to Help Score Great Deals and Keep Organized With smartphones everywhere, apps have been developed to help travelers. Download these apps to help you get the best deals and explore your destination. Localeur: (iOS only) Locals share some of their favorite spots in 14 major U.S. cities. TripIt: With two kids in tow, I love to have one app to handle and organize all of the travel arrangements. Hopper: If you like to double check the deals on flights, Hopper is great. The app analyzes tons of flight prices and can suggest when it's a good time to purchase a ticket. Hipmunk: An all in one solution where you can find last minute deals and book them. Even though you might not think of it as a travel app per se, GasBuddy can tremendously helpful if you're taking a road trip. Thoughts on Weekend Getaways I'd love to hear your ideas and stories. What has been your favorite getaway destination? What has been your most recent travel deal you've taken? What travel apps are your favorite for planning?

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#8

Creating an Extraordinary Marriage with Financial Intimacy

October 13, 2017 • 20m

Think you can avoid money fights by not talking about it? Learn and use these conversation starters to develop financial intimacy, get on the same page with money, and have an extraordinary marriage!    Financial Intimacy and Marriage Normally people associate intimacy with physical or emotional, but a long-lasting marriage takes more. You two can connect with intellectual activities, spiritual moral values, having fun and relaxing, and yes, financial intimacy. If you been listening to the show for a bit, you know that the money itself is usually not the issue, but a symptom. To a degree, once the bills are paid, how we spend or use money is a reflection of our priorities. It's all connected. And we neglect or ignore talking and working through things, our marriage can suffer. What if you've been married for some time, can you turn things around? Not only fix your finances but become more open as a couple. Fortunately, Tony and Alisa DiLorenzo are on the show to share their story and help make things easier. They're the dynamic duo behind One Extraordinary Marriage where they explore developing a stronger marriage. In this episode we get into: the challenges Tony and Alisa faced with debt how they started those conversations about money creating a system with their family finances they're both happy with Hope you enjoy! Resources to Building Your Marriage and Financial Intimacy Looking to connect as a couple with money and more? Here are some wonderful resources to get you started! Connect Like You Did When You First Met Dave Ramsey's 7 Baby Steps to Financial Peace Money Matters Money in the Bank 6 Forms of Intimacy to Build a Strong Marriage Jumpstart Your Marriage and Money Course Want to give your marriage and bank account a boost? Pick up Jumpstart Your Marriage and Money course. Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you: Stop fighting about money and create a budget that you BOTH LOVE Automate your money Pay off your debt faster Plus more! You can get lifetime access here! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.  

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#10

Best Mortgage Tips for Home Buyers

August 01, 2019 • 20m

When you’re buying a house, there is a ton of paperwork and terminology thrown at you.  Today we’re going to decipher and explain all the essentials you need to know to get a great deal on your mortgage!  Getting a Great Mortgage When Buying a House Even if you’re excited and ready to buy a house, it can still be stressful. Last week I mentioned that my mom is moving into the Raleigh area after getting a job offer. She’s getting all that paperwork done for work and keeping her current home in tiptop shape since it’s on the market to sell. And whenever she’s in town to take care of her work stuff, we’re also driving around looking at places and neighborhoods. Being with her reminds me of our own house hunt and I remember how at times things seemed overwhelming. Buying a home is a huge purchase and while you’re trying to make sure it’s the right fit for you, you’re also sorting through all this paperwork. When you’re getting a mortgage, your lender is combing through your finances and it feels like they request every scrap of information they can get. And then when you do find a home, you make the offer – hopefully they accept. You have a home inspection, have the house appraised, and get paperwork like title insurance done. It’s a lot. And the first time around, we knew we paid a fair price, but we were a little lost. The second time, though, we felt confident about buying the house. One part that made a huge difference for us was getting our loan officer to walk us through. Having your loan officer in your corner, along with a great agent makes the process enjoyable and rewarding. We’re so grateful to have had that. And I want you to feel the same way. So if you’re in the market to buy or you know in the future you’d want to buy a home, I think you’ll enjoy this episode. I’m sharing one of my favorite interviews on the topic, my chat with Wendy Dawson. She’s the Vice President of Mortgage Lending at Coastal. In this episode we’ll discuss: What you need to keep in mind about mortgages All the fees and expenses that typically come with buying a house – its more than just the down payment How to decipher the paperwork I want you to feel comfortable and confident you’re getting a great deal with your mortgage. I hope you enjoy! Resources on Getting a Great Deal on Your Mortgage If you’re looking to buy, here are some resources to help you find a great deal with your mortgage Best Budget and Money Apps: Personal Capital, Tiller, Mint Grow Your Stash Faster: High Yield Savings with CiT Bank Automatic Saving: Qapital Jumpstart Your Marriage and Your Money Basic Mortgage Terminology Buying a House: Explore Interest Rates Buying a House: Loan Estimate Explainer Understand Mortgage Loan Options Free 5 Days to $5K Course Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today. See how Coastal can help you with your mortgage needs! Key Takeaways on Buying a Home I want to focus on some key takeaways I got from talking with Wendy and our own experience: Know your numbers (and own them)  Understand your mortgage options Ask questions.  If you’d like to chat more about buying or even selling your house,  please join us in our private and free Facebook group – Thriving Families.  Hope to see you there! Support the Podcast! Thank you so much for listening to the podcast! Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.  

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#11

How to Work as a Team When You're Financial Opposites

February 27, 2020 • 28m

Most couples marry their financial opposite, which can be a blessing or a recipe for disaster. Learn how you two can become a team and create a budget and money system you both love! Marrying Your Financial Opposite Did you know that 75% of divorced couples cite money as the cause of their marital issues? With something causing that big of any issue, you’d think we’d try to become more proactive with making sure that finances But for many couples, the conversations don’t happen. There’s a tendency in a lot of marriages to not talk about money until something goes wrong. The budget is broken or you’re struggling to hit a goal you made for the year. One reason couples don’t talk about money is that they’re trying to avoid a fight. Maybe they’ve had a blow-up in the past about certain spending and they rather not hash that out again. Perhaps they couldn’t come to an agreement on something that should be simple like the budget. This can especially be the case when you’re financial opposites. However just because you’re financial opposites don’t mean you can’t work as a team with your money. In fact, for some couples, their differences became an advantage as they tackle goals like dumping debt, saving up for a house or investing in their future. How do you get there though? How do you mesh those differences into strengths? Scott and Bethany Palmer, The Money Couple are on the podcast today to chat about how to get started with talking about and working through your financial issues and goals.   They were financial advisors and noticed how their married clients were struggling with money. They’ve been focused since on helping spouses work with their different approaches to finances and become a team. In this episode we’ll get into: how money differences show up in our daily lives understanding and respecting one another’s different perspectives how to approach money talks so that they’re productive Hope you enjoy! Resources to Help You Merge Your Finances If you’re looking to get better with your finances together, here are some helpful posts to check out: Best Budget and Money Apps: Personal Capital, Tiller, Mint together Grow Your Stash Faster: High Yield Savings with CiT Bank Jumpstart Your Marriage and Your Money How to Talk About Money Without Starting a Fight How to Diffuse Money Fights Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union. If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today! We’ve been Coastal members for a few years have been happy with their services. They also have competitive rates on their checking and savings accounts! Meet Scott and Bethany Palmer With 50 years of combined experience as financial advisors, Scott & Bethany Palmer (aka “The Money Couple”) have witnessed these conflicts firsthand. After watching so many couples struggle over money, Scott & Bethany set out to find out why. After a decade of research with a Stanford scientist, they cracked the code to stop the money issues that so often lead to divorce. They discovered that money “issues” aren’t really about dollars and cents — the real problem is a couple’s struggle to communicate about and agree on money. They developed The 5 Money Personalities to help couples understand their own unique perspectives and behaviors when it comes to money, learn more about their partner’s money personalities, and better communicate in a way that builds rich relationships Support the Podcast! Thank you so much for listening to the podcast! Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.  

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#12

Where Should Our Money Go? How to Prioritize and Maximize Your Goals

March 13, 2018 • 16m

Overwhelmed by paying down debt, saving for emergencies, and investing for retirement? Learn how to prioritize where your money should go to maximize returns! How's this year going for you? For us, it's pretty good. We made some big goals at the beginning of the year including saving up to finish our basement, planning a family trip outside the country, and paying down our mortgage faster. If you're trying to tackle several goals at once, you probably understand how slow progress feels sometimes.  Today financial advisor and Family Inc author Doug McCormick and I chat about how to prioritize your goals.  Hope you enjoy!  Resources to Define Your Priorities and Big Goals Whether it’s a joint or personal goal, there are handy resources available to help you two achieve your dreams. What is It Like to Be Married to a Financial Planner?  How Our Financial Goals Followed Our Family What’s Your One Page Financial Plan? Jumpstart Your Marriage and Money Course Want to give your marriage and bank account a boost? Pick up Jumpstart Your Marriage and Money course. Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you: Stop fighting about money and create a budget that you BOTH LOVE Automate your money Pay off your debt faster Plus more! You can get lifetime access here! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

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#13

How to Fix Your Relationship and Money with Financial Therapy

April 17, 2018 • 17m

With money fights being the main cause of divorce, many couples could use some financial therapy. Learn habits and techniques you can use to make money talks less stressful and more productive! Is Financial Therapy Right for You?  Money problems are usually symptoms of a much deeper issue. It can be within our relationship - how we communicate or it can an issue we ourselves have like anxiety or depression. From our personal experience and hearing from other couples, it can be more common than you think. And that matters because if you don't get to the root, it can keep popping up. And in some cases cause damage. Financial education is crucial, but sometimes you need to a specialist. I'm not a therapist, but I do know one and she's here to help. Kine Corder is here on the podcast to cover some problems and bumps couples experience when dealing with money. In this episode, we get into: common issues couples have when they come to her for financial therapy ways to communicate better so things are less stressful with your relationship and money habits to help you two move forward Hope you enjoy!  Resources to Get on the Same Page with Money Learning how to work as a team isn't automatic. Here are resources to give you the tools to stop fighting about money and win.  Top Sites and Podcasts for Marriage and Money Prosperity Report: Love and Money Podcast  How to Shift Your Money Mindset and Finally Knock Out Your Goals Together Build Your Marriage & Wealth with Money Dates 3 Habits to Grow Your Wealth and Strengthen Your Marriage How to Connect and Develop Financial Intimacy in Your Marriage Jumpstart Your Marriage and Money Course Want to give your marriage and bank account a boost? Pick up Jumpstart Your Marriage and Money course. Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you: Stop fighting about money and create a budget that you BOTH LOVE Automate your money Pay off your debt faster Plus more! You can get lifetime access here! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

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#14

How to Pursue Your Dreams Without going Broke

May 17, 2018 • 18m

Do you two have a couple of dreams you'd love to get started on but right now the money isn't working? Today we're going to discuss how to pursue your dreams without going broke! Working Together to Pursue Your Dreams Real life isn't that smooth. There are a dozen and more ways things can go sideways with the business. If you're married, you have to work as a team. Today Alex Grodnik from Wall Street Oasis' podcast Moving Up and founder of Payclub is here to share his story and offer from tips from the trenches. His career has a had a few shifts. He and his wife are working together to a find a flow that allows them to pursue their dreams, pay their bills, and prepare for the arrival of their daughter this summer. In this episode we discuss: why he choose to get an MBA and the unexpected pivot he made how they went to from living off two incomes to one the real truth and finances of being a startup entrepreneur Hope you enjoy! Resources to Help You Launch a Side Hustle If you’re ready to make the leap, here are some more resources to help you build another income stream. 79 Side Hustle Business Ideas You Can Start Today Developing a Money Making Hobby The 5 Step System to Quit Your Job In the Next 12 Months Launching a Business as a Creative Entrepreneur Building a Location Independent Business of Freedom and Travel — Even With a Family   Jumpstart Your Marriage and Money Course Want to give your marriage and bank account a boost? Pick up Jumpstart Your Marriage and Money course. Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you: Stop fighting about money and create a budget that you BOTH LOVE Automate your money Pay off your debt faster Plus more! You can get lifetime access here! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

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#15

Meal Planning Essentials for Busy Couples

June 13, 2018 • 20m

Does your food bill blow your budget? Today you'll learn how to master meal planning to save you a ton of time and money!  How to Save with Meal Planning One of the biggest bills couples have - especially busy ones - is their food. Between eating out and buying food for the family, there doesn't seem to be enough money to cover everything.  We discussed saving money when eating out a few episodes ago. Now we're looking at the other side -mastering your groceries and meals at home. I asked my buddy Jen Smith to come on board. She's the creator of Saving with Spunk and the author of the new book Meal Planning on a Budget. In this episode we discuss: how meal planning doesn't mean leftover every night the magic of slow cookers how seasonal and sales eating is lower your bills and be better health wise Hope you enjoy! Resources to Save Money While Eating Well Want to cut your spending on food without sacrificing quality? Here are some resources to check out. Grocery Price Books: Slash Your Food Bill and Save Time! Easy and Smart Ways to Eat Well and Cut Your Food Bill Kill your $1,000 Grocery Bill Frugal Friends Podcast  Jumpstart Your Marriage and Money Course Want to give your marriage and bank account a boost? Pick up Jumpstart Your Marriage and Money course. Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you: Stop fighting about money and create a budget that you BOTH LOVE Automate your money Pay off your debt faster Plus more! You can get lifetime access here.  Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

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#16

How to Rethink Real Estate as an Investment to Build Wealth

February 06, 2019 • 26m

Think your home is an investment? For most people, it's not.  Learn how to rethink real estate so you can build your wealth and become financially independent! Buying a house is usually the biggest purchase we make. Right now in the United States, the median price of homes that sold is $225,900. For those living in high cost of living areas like California and DC, you’re looking at closer to 350k to $400k respectively. Just considering the numbers, you can see that you really need to do your homework when it comes to buying your house. A misstep or mistake can cost you a significant amount of money. I don't want that to happen to you. When \ever you buy your home I want it to feel like a blessing and a burden. We’ve had several episodes about the house hunting, getting a mortgage, and finding the best home for you. Today, though, I want to get into the root of every bad decision we made when it comes to real estate - how we approach it. I can’t even count how many people had such strong opinions when we were house hunting. And not all of them were right. There so many justifications for buying any house. ‘You’re throwing away money when you rent’ ‘Take advantage of the tax savings’ And my favorite - ‘real estate is an investment’ People were saying this and they no idea what kind of house or neighborhood we were looking at. That’s not to say buying a house is a mistake. It can actually be a smart move when done right. And if you’re looking at investing and are willing to put in the work, real estate can be an income stream. But how you approach it makes all the difference. Which is why I asked Julien and Kiersten, the creators and the couple behind Rich and Regular to come on today. They are not only are homeowners, but they are also real investors who are working towards financial independence. Their properties are a part of their plan so I thought they would be perfect to talk about how to approach real estate wisely. In this episode we’ll discuss: Why they don’t consider their home an investment How they got into investing in real estate Their strategy around real estate to reach financial independence Hope you enjoy! Resources for Buying a House If you two are ready to get the balll rolling with buying a house or start looking at real estate investing, here are some resources to check out: Best Budget and Money Apps: Personal Capital, Tiller, Mint Automatic Saving: Qapital Free 401(k) Analysis: blooom Jumpstart Your Marriage and Your Money Why our new home is NOT a real estate investment The “other” skills you need to be a real estate investor 5 Key Ways to Pay Your Mortgage Off Faster 5 Reasons to Choose a 15-Year Mortgage Which is Better for You – a 15 Year or 30 Year Mortgage? What You Need to Know About Mortgages Support the Podcast Thank you so much for listening! Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. I’d love for more couples to work together to dump their debt and pursue their dreams together! Please leave your review on Apple or Stitcher. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! I appreciate your help. Let’s make talking about marriage and money fun! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere

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#18

How You Can Dump Debt and Retire Early

April 05, 2018 • 14m

Frustrated with your credit card, car payments, and student loans? Learn how you two can come together to dump your debt faster and retire early!  How You Can Retire Early Let me ask you two questions.  Where are you guys right now?  Where do you want to be in five years?  Does it seem like there is a huge gap between today and five years from now?    If you would've told me five years ago we'd be out of debt (except for the mortgage) and be on our way towards financial independence I'd think you'd be a little crazy. Sure, I was optimistic, but it wouldn't feel possible with all that we were juggling at the time.    But when you break down your goal into chunks and you work out a system which for us includes automating, you can see huge results. The good news is that the skills you use to get out of debt are transferable. Instead of sending in those extra payments to your credit cards and student loans, you can direct to savings and investments. Deacon Hayes, personal finance author and Well Kept Wallet founder, is on today and we're getting into how he and his wife Kim made this transition. In this episode, we talk about: how they managed to pay off $52,000 in debt in 18 months the system they used to keep one another in the loop with money planning and following through financial independence Hope you enjoy! Resources to Dump Debt and Retire Early If you’re looking to get ahead with your finances as a family, here are more resources to check out! Retire Early By Rethinking Your Priorities Financial Independence Through Big Wins Setting Up Your Retirement with the Right Tools The Shockingly Simple Math Behind Early Retirement Jumpstart Your Marriage and Money Course Want to give your marriage and bank account a boost? Pick up Jumpstart Your Marriage and Money course. Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you: Stop fighting about money and create a budget that you BOTH LOVE Automate your money Pay off your debt faster Plus more! You can get lifetime access here! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

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#19

How to Automate Your Money: A Guide for Busy Couples

July 12, 2019 • 18m

How do you feel about managing money? Is it something you enjoy doing or do you see paying the bills, knocking out debt, saving for your future, etc. a bit much? When we were first married it was honestly a little overwhelming. We had the bills to pay, a car loan, and eventually student loans that were going to come due.  The idea of getting a financial system seemed complicated. The good news is it wasn’t. With a little organization so we had our acct info in front of us. It was a one evening thing.  And it’s made a huge difference for us.  We’ve paid off over $30,000 of debt, bought our cars with cash, started investing for retirement, and giving more. Through the years, we’ve had to take a step back to help out loved ones and deal with our family. With two little ones as our priority, we sometimes have put money conversations on the back burner. The automated system allowed us to still take care of the essentials and not miss a beat.  But I also know that the idea of setting up a system sounds like a ton of work. Truth is the initial set up typically isn’t as difficult as you think and the benefits are more than just the money.  To make this easier we’re going over:  Peek into Our System so You Have a Real Life Example Setting Up Your Financial System Tools and Apps to Make it Easier to Set up and Track Your Money I hope you enjoy!  Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today. They have fantastic options to make online banking easy! Resources to Stay on Top of Your Money Here are some resources to make managing your money much easier! Best Budget and Money Apps: Personal Capital, Tiller, Mint Free 401(k) Analysis: blooom Grow Your Stash Faster: High Yield Savings with CiT Bank Automatic Saving: Qapital Jumpstart Your Marriage and Your Money Support the Podcast! Thank you so much for listening to the podcast! Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

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#20

Should You Give While Getting Out of Debt?

November 21, 2018 • 14m

You’ve probably heard how giving not only benefits the recipients but the giver. However, what do you do when you’re in debt? Learn how you can pay off debt and give more to the causes that matter most to you! Giving While in Debt? When people ask this, two things jump out at me. First, they have a generous spirit. That’s fantastic. Second, their current budget isn’t working for them. That's something that needs to be adjusted. What if I told you there’s a way you can take care of the essentials, make progress on paying off your debts, and still give? Today Certified Financial Educational Instructor and The Money Speakeasy founder Wilson Muscadin is here to discuss how. In this episode we get into: Why we struggle with money A counter-intuitive way to think about how you budget How giving can help be wiser with your money Let’s get started! Resources to Give Back More If you're looking to create a budget that reflects your values while still taking care of the essentials, here are some resources to check out. Best Budget and Money Apps: Personal Capital, Tiller, Mint Automatic Saving: Qapital Free 401(k) Analysis: blooom Partners in Wealth Jumpstart Your Marriage and Your Money Total Money Makeover Giving USA 2018: Americans Gave $410.02 Billion to Charity in 2017 Charitable Giving in America: Some Facts and Figures Support the Podcast! Thank you so much for listening to the podcast! Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

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